0000092230-26-000099
SEC filingTruist 二季度净利大增 25%，EPS 同比升 37%，投行与财富管理收入强劲驱动。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Revenue | $5.265B | $4.987B | +5.6% |
| Net Interest Income | $3.621B | $3.587B | +0.9% |
| Noninterest Income | $1.644B | $1.400B | +17.4% |
| Provision for Credit Losses | $395M | $488M | -19.1% |
| Net Income | $1.553B | $1.240B | +25.2% |
| Diluted EPS | $1.23 | $0.90 | +36.7% |
| NIM - TE | 2.98% | 3.02% | -4bps |
| ROA | 1.1% | 0.9% | +20bps |
| ROTCE | 15.4% | 12.3% | +310bps |
Truist 二季度业绩强劲，净利同比增长 25%，主要受非利息收入大幅增长驱动。投行与交易收入同比飙升 71.7%，财富管理收入增长 7.8%，显示资本市场业务和财富管理业务的强劲势头。净利息收入仅微增 0.9%，NIM 下降 4bps，反映贷款利差收窄和固定利率债务重定价的压力。
盈利质量方面，信贷成本显著下降，拨备支出同比减少 19.1%，资产质量改善。Nonperforming loans 占比上升 3bps，主要因间接汽车贷款组合非应计标准收紧，但整体风险可控。ROTCE 大幅提升至 15.4%，反映盈利能力增强。
| 分部 | 营收 | 同比 | 经营利润 | 利润率 | 驱动 |
|---|---|---|---|---|---|
| Consumer and Small Business Banking | $3.134B | +10.3% | $1.106B | 35.3% | 净利息收入增长，信贷成本下降 |
| Wholesale Banking | $2.689B | +7.0% | $1.215B | 45.2% | 投行与交易收入强劲，贷款增长 |
| Other, Treasury & Corporate | -$459M | NM | -$506M | NM | 证券组合收益下降，费用控制 |
| 项目 | 本期 | 上期/变化 |
|---|---|---|
| Cash and Due from Banks | $4.707B | -$260M |
| Interest-bearing Deposits with Banks | $34.581B | +$3.171B |
| AFS Securities | $67.651B | +$2.609B |
| HTM Securities | $46.351B | -$835M |
| Loans and Leases, net | $324.813B | +$1.248B |
| Total Deposits | $409.379B | +$9.0B |
| Short-term Borrowings | $26.885B | -$954M |
| Long-term Debt | $42.976B | +$1.013B |
| Total Shareholders' Equity | $64.095B | -$1.094B |
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